Riesgo y sostenibilidad financiera en la cooperativa de ahorro y crédito El Sagrario Ltda., período 2003 - 2024

Abstract

Abstract: This study analyzes the influence of financial risks on the sustainability of the Cooperativa de Ahorro y Crédito El Sagrario Ltda., covering the period from 2003 to 2024. Through a quantitative and documentary approach, non-experimental design and descriptive-correlational scope, the behavior of variables such as delinquency, indebtedness and liquidity was evaluated, elements that define the performance of this institution. The results allowed identifying that maintaining an adequate balance among these indicators enables the cooperative to remain stable, comply with current regulations and continue supporting the economic development of its members. This research provides a clear and practical perspective for strategic decision-making aimed at mitigating threats and strengthening the entity s performance, while also serving as a reference basis for further studies within the popular and solidarity-based financial sector.